here, if you're 46 years old today, you know, that would mean at age 67 you would your benefits cut by moore thank a quarter. -- by more than a quarter. unless we act, this is not a self-correcting problem. now, there are other things that we need do around social security such as raising the cap on the a income that's taxed. but those who say putting off questions about social security or medicare to some other day refuse to also recognize the reality that none of this self-corrects and that the sooner we start down the path on reform, the sooner that we can make sure the promise of these programs will last. but again, instead of worrying about the potential of a 25% cut for folks who are 46 years old in social security, they talk about the fact that, yes, that there may be some slight cutback in immediate benefits. not, though, 25%, not 3%, not 1%, but .3% decrease in the amount of increase each year. and even with that, there are ways, if we use this tool, to make it more fair and balanced. because we must make sure that we protect the most vulnerable in our society. i was part of a group